PennyMac Financial Services, Inc. (PFSI)

PFSI Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Interest Income	-36.11	-25.78	-4.85	-41.37	-90.14
Non-Interest Income	2,083	1,620	1,407	2,027	2,183
Non-Interest Income Growth	28.60%	15.14%	-30.61%	-7.13%	-33.67%
Revenues Before Loan Losses	2,047	1,594	1,402	1,986	3,167
Revenue	2,047	1,594	1,402	1,986	3,167
Revenue Growth (YoY)	28.41%	13.70%	-29.41%	-37.31%	-14.52%
Compensation Expenses	782.92	632.74	576.96	735.23	999.8
Selling, General & Admin	119.44	92.86	114.71	160.16	174.9
Other Non-Interest Expenses	592.76	467.11	526.35	425.12	633.48
Total Non-Interest Expense	1,495	1,193	1,218	1,321	1,808
Pretax Income	551.42	401.03	183.63	665.25	1,359
Provision for Income Taxes	50.34	89.6	38.98	189.74	355.69
Net Income	501.08	311.42	144.66	475.51	1,003
Net Income to Common	501.08	311.42	144.66	475.51	1,003
Net Income Growth	60.90%	115.28%	-69.58%	-52.62%	-39.07%
Shares Outstanding (Basic)	52	51	50	53	64
Shares Outstanding (Diluted)	54	53	53	56	67
Shares Change (YoY)	0.99%	1.18%	-5.75%	-17.08%	-14.30%
EPS (Basic)	9.69	6.11	2.89	8.96	15.73
EPS (Diluted)	9.30	5.84	2.74	8.50	14.87
EPS Growth	59.25%	113.14%	-67.77%	-42.84%	-28.92%
Shares Outstanding	52.06	51.38	50.18	49.99	56.87
Free Cash Flow	-1,664	-4,535	-1,584	6,026	2,555
Free Cash Flow Growth	-	-	-	135.84%	2277.78%
Free Cash Flow Per Share	-30.88	-84.99	-30.03	107.70	37.87
Dividends Per Share	1.200	1.100	0.800	0.800	0.800
Dividend Growth	9.09%	37.50%	-	-	35.59%
Profit Margin	24.48%	19.54%	10.32%	23.95%	31.68%
FCF Margin	-81.30%	-284.55%	-112.98%	303.47%	80.67%
EBITDA	102.11	98.47	91.45	69.44	67.26
EBITDA Margin	4.99%	6.18%	6.52%	3.50%	2.12%
Effective Tax Rate	9.13%	22.34%	21.22%	28.52%	26.17%

Updated Dec 31, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q